How To Get Bike Insurance Details Using Registration Number

When you purchase a new bike, the first thing you need to do is, getting it registered at your nearest Regional Transport Office (RTO). After the process of registration is complete, a unique registration number is allotted to the bike, and a Registration Certificate (RC) is issued to the owner. As per the Motor Vehicle Law, this registration number is mandatory to drive a vehicle on Indian roads.

Also, by using the registration number of a bike, anyone can get its basic details such as the name of the owner, two wheeler insurance details, the validity of its Pollution Under Control (PUC) certificate, and road tax details. In case you don't know how to get a bike's insurance details by registration number, you are at the right place. We'll tell you in this article how to do so.

But, first, let's understand what the registration number of a vehicle is.

What is Bike's Registration Number?

As mentioned above, the registration number of a bike is a unique number allotted to it by the RTO where it is registered. This registration number acts as an identity card for the vehicle. It helps the traffic police authorities and the common public, know a vehicle's basic details including its RTO, fitness status, insurance details, engine and chassis number, PUC details, etc.

The basic format of a bike's registration number in India is "AA 00 AA 0000". Here, the first two letters denote the state in which the bike is registered. The following two-digit number is the code of the RTO where the bike's registration is done. The subsequent two letters indicate the RTO sequence, whereas the next four-digit number is the unique registration number allotted to the bike.

Note that the first six characters of two or more bikes can be the same, but the last four digits will always be different.

What's the use of a bike's registration number?

As mentioned above, a bike's registration number acts as its identity card, and it can be used to know its basic details. Below are some other uses of the registration number of a bike:

• To buy a bike insurance policy
• You cannot buy a bike insurance policy unless you have its registration number. An insurer mandatorily asks for the vehicle's registration number for issuing a motor insurance policy. The vehicle's registration number is also mentioned in the policy document, making sure that the policy is issued for this particular vehicle.
• To renew bike insurance policy
• When you renew your bike insurance policy, you need to enter your bike's registration number at the insurer's portal. The insurer then fetches other details of your bike, such as its previous policy details, engine and chassis number, your residential address etc., and provides you with the premium quotes for renewal.
• For making claims
• In case you meet with an accident and want to make a claim against your bike insurance policy, you will require your bike's registration details. In fact, you will have to submit your bike's RC to the insurer to get your claim processed. In case of third-party claims, you are required to furnish the registration number of the vehicle with which the collision took place.
• To fetch your bike insurance details
• In case you've lost or misplaced your bike insurance policy document, your bike's registration number can help you retrieve your bike insurance details. Such a situation may arise when you meet with an accident and want to register a claim on your bike insurance policy or when a traffic sergeant stops you and asks for your bike's insurance details.

How to get two-wheeler insurance details by using its registration number?

Getting your two-wheeler's insurance details by using its registration number is pretty simple. When you purchase or renew a two-wheeler insurance policy, it gets linked with your bike's registration number. To know your bike insurance details through its registration number, you can adopt any of the following methods:

• Visit the website of the Ministry of Road Transport and Highways parivahan.gov.in You need to go to the "Online Services" section and select "Vehicle Related Services". You will be redirected to a page where you will have to enter your bike's registration number, and all its details will be displayed on your screen.
• Download the "mParivahan" app on your smartphone. After registering in the app with your name and mobile number, you can enter your bike's registration number in the box and click on search. All the details about your bike, including its owner's name, fitness and road tax validity, and insurance details will be displayed on your smartphone's screen.
• Visit the official website of the RTO where your bike is registered and enter the registration number of your bike to know its insurance details. You can also visit the RTO physically and furnish your bike's registration number to the helpdesk officer to know its insurance details.
• Visit the website of your insurance provider and you will be able to know your policy details by entering your bike's registration number and your registered mobile number. You can also approach your insurer's nearest branch office or contact its customer support number to get your bike insurance details through its registration number.

To conclude

You can use any of the methods mentioned above to get your two-wheeler insurance details using its registration number. Alternatively, you can also visit the Insurance Information Bureau's website (www.iib.gov.in), which is developed by the Insurance Regulatory and Development Authority of India (IRDAI), to know your bike insurance details registration number.

In case you want to purchase or renew your bike insurance policy, you can visit ICICI Lombard's website and select "Two Wheeler Insurance". All you need to do is enter your bike's registration number, your mobile number and your e-mail id to get the quotes from us.